Requirements: The first paragraph of the memo should state your dlarge. The last paragraph should include a take-away. Readers should be dear as to whether your researdt suggests one theory fits well, and if not, what has your review led you too condude. Possibilities for the latter include: {1} a statement that criminology is a dead-end in detecting and presenting specific crimes; {2) a statement that no actionable conclusion is justied but that further investigation and assessment of the validity of the theories is needed before practical use can be made; {3) a conclusion that one theory adequately explains the fraud and should become the basis for future fraud detection protocols; {4} each theory noted appears to well describe the actions of at least one fraudster and therefore a theory based approach to fraud prevention and detection should be developed. {5) something completely different